Winter highway and general road conditions, especially in Michigan where snow and ice can come up all of a sudden while you are driving, are what drivers dread in the months of November through March (sometimes even April!). The following are tips and advice to help Michigan residents as well as other individuals plan safe winter travels in their vehicles. You first need to allow yourself extra time when planning your trip if you must drive in winter conditions. Clear off your vehicle of all snow, ice, etc., including on your hood and roof. Be sure to turn your headlights on so that other drivers can see you better. Although the posted speed limit may be 65 mph, you will want to decrease your speed to allow for at least three times the normal stopping distance, should you need to brake quickly. Use low gears to maintain your vehicle's traction, especially on hills. If there are snowplows out, you must stay behind them at lest 200 feet and never pass them on the right (this is against the law). Be especially careful when passing them in the passing lanes. Often, the passing lane is in worst condition than the driving lane so avoid sudden lane changes. In general, brake early and gently so your vehicle does not skid. If your wheels do lock up, ease off the brake and never pump anti-lock brakes (just stomp and steer out of a skid). Some other general tips for driving in winter conditions include the following: 1. Watch for slippery bridge decks. 2. Do not use cruise control/overdrive. 3. Do not cut quickly in front of large trucks. 4. GO SLOW AND DRIVE DEFENSIVELY! When highway conditions become too much for you and your vehicle, do not hesitate to postpone/cancel your travel plans altogether because your safety is what matters. Eventually, the roads will be salted and clear and you will be able to get to your destination. Founded in 1990, Affordable Insurance Service Agency, LLC. is a leader in providing quality protection for hundreds of individuals, families, and businesses throughout Michigan and Wisconsin. Providing superior customer service and low rates along with our ability to understand our customer's coverage needs drives the success of our agency. For those who are not familiar with travel insurance, there are some basics that should be known by anyone interested in traveling abroad. Travel insurance is important because when you are in a foreign country, sometimes you are on your own and any unexpected expenses due to accidents or illnesses will come from your pocket. With Travel insurance that money can be reimbursed. Though travel insurance also covers trips within one's own country, the whole policy has been thought for those who travel abroad. Nevertheless if you are a frequent traveler it is important to be familiar with this particular insurance policy as the coverage will protect you and save you from hassles more than often, especially given the current situation of all national and international transportation systems. What Is Travel Insurance? Travel insurance is an agreement between you and your insurance company by which the insurance company is obliged to cover all the losses that you may incur during a trip abroad or while travelling on one's own country. In exchange for that coverage the insured pays a premium either in a single or multiple installments. When Do I Get It? Travel insurance can be purchased jointly with the ticket and other products when booking your trip but in that case, the insurance policy will only cover that particular trip. Thus, for frequent travelers there are more broad permanent travel insurances that protect you during all your trips that meet certain requirements. This type of travel insurance can be purchased directly from insurance companies but also from travel agents or travel companies. What Does It Cover? When it comes to flights the most common risks that are covered by travel insurance are: cancellations, limitations, delays, etc. When it comes to the luggage, theft, damage, delay or lose of personal possessions up to a certain amount when undeclared and up to any amount when declared and included in the policy. It will also cover for medical expenses whether due to illness or accident. This includes transportation to and from hospitals and clinics, physicians' fees, medications, etc. In the event of death it will cover funeral expenses and benefits for accidental death for the beneficiary of the insurance. The policy also includes often injury or disablement benefits either for the insured or the beneficiary. As regards to legal coverage, travel insurance can include legal fees, and personal liability for accidents where you are held responsible. It can also include additional coverage in case other insurances like car rental insurance does not cover all the liability. Additional Protections Though the above enumeration includes the basics of travel insurance coverage, there are additional costs that travel insurance may include in the coverage. Moreover, there are other risks for which insurance can be purchased jointly or separately from a regular travel insurance contract. Examples of the above are: high risk destinations, high risk activities (sports), etc. Whether these risks are included within the travel insurance policy or not will depend on where you purchase it. If you buy a travel package to a high risk destination, chances are that the policy will already contain those clauses, the same is applicable if you hire all the services needed to perform the high risk activities from the same agent. However, you should carefully read the policy before committing to anything and make sure that you are sufficiently protected.
Who doesn't want the cheapest car insurance? But, with indemnity premiums reaching the skies, it seems to be almost impossible to get one. However, the good news is you can still save a lot many dollars by applying some tricks. No, we are not talking about tricking your dealer or something alike. We are only teaching you to be a smart car owner and an insurance shopper, who knows when and how to save money on his or her car. So, here we go... Six Tricks To Get The Cheapest Car Insurance Your car should never be without an anti-theft device installed in it. A large number of auto companies provide discounts on cars having anti-theft devices. So, if you were planning to head straight to the insurance office, turn around and go to the dealer first for installation of this device. Buy a vehicle with window sketching. Companies offer higher discounts on such cars. Have more cars, get more discounts! Well, don't lose heart, if you don't have the need or enough funds to buy more than one car. This is for those who are planning to sell off their old wrecked car. Keep it with you. It's your ticket to get the cheapest car insurance! Be a little smart while calculating your car's mileage to and from your workplace. It's good to be truthful; however, you are not going to commit a crime by not rounding up the mileage of your vehicle. Remember; it's the mileage that your company catches hold of to determine the price range and category to place their clients into. Why go for a six-month policy, when you have a beneficial yearly policy around? The benefit with such a twelve-month policy is that your rate remains constant throughout the year. If, during this time, you have a claim, it's wise to keep the minimal rate for a longer period of time. Request your broker to increase your deductible. This will decrease the cost of your car policy. However, you need to take a look at your funds before deciding for a higher deductive amount. See, how simple it is to get the cheap policy for your vehicle! It's just a matter of applying your resourcefulness and you have an admirable car with an even more admirable indemnity policy! Health insurance is the most common form of insurance that is taken in order to meet all the medical expenses that engulf us in the case of any medical emergency. Under this insurance, the insurer pays the medical expenses of the insured, in the case of sickness, accidents and for all the other reasons that are stated in the insurance cover. In the modern world, health hazards have tremendously gone up in the recent times, owing to the stress and other medical complications. Seeing this trend, the modern age has seen an upsurge in the number of medical insurance agencies that have come forth in the recent times. The fundamental of probability and necessity is applicable in this type of business that is flourishing in the contemporary world. Likewise, a person's health is also a major consideration in deciding on the premium of the insurance. Now a days, health insurance is also given as an incentive by the various companies to its employees. The employers sponsor it to their employees and their families. The insurer has every right to set a limit to the amount that one would receive for treatment during a specific period of time. It also specifies the types of treatments under which you can claim the benefits of insurance. Like, there are some health insurance companies which don't cover the dental insurance as part of your health insurance. So, it really becomes important for you to have a detailed knowledge of the terms and conditions that are laid by any insurance company. It is also advisable for you to do an analysis of the various insurance agencies that provide you with health insurances, before you go in for any policy. Health insurance is thus, a good way to secure one's health against all the emergencies that can crop up at any moment. However, what needs to take be taken care of is the authenticity of a specific insurance provider and the benefits that are being offered to you as part of the package.
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